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This study examines the influence of financial literacy, Fear of Missing Out (FOMO), and influencer marketing on Generation Z's decision to use Buy Now Pay Later (BNPL) services in Dompu Regency. The rapid development of financial technology has encouraged the widespread adoption of BNPL as an alternative digital payment method, particularly among young consumers. However, the increasing use of this service also raises concerns regarding financial decision-making and consumer behavior. This research employed a quantitative approach using a survey method involving 100 Generation Z respondents selected through purposive sampling. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using multiple linear regression. The findings indicate that financial literacy has a positive and significant effect on BNPL usage decisions. Likewise, FOMO significantly influences individuals' decisions to utilize BNPL services, while influencer marketing also demonstrates a positive and significant contribution to users' decisions. Simultaneously, the three independent variables significantly affect BNPL usage decisions, explaining 27% of the variance in the dependent variable. These findings suggest that financial knowledge, psychological factors, and social influence collectively shape Generation Z's financial behavior. Therefore, strengthening financial literacy and promoting responsible use of digital financial services are essential to encourage more informed and sustainable financial decision-making.

The study aims to analyze the influence of consumption behavior, projected through cultural, social, personal, and psychological factors, through Generation Z's decision to use the Quick Response Code Indonesian Standard (QRIS). The focus subjects were taken from undergraduate students of Economics at Surabaya State University from 2021 to 2024 who are active users of QRIS. Using an associative quantitative approach using primary data to be collected using an online questionnaire distribution. The data analysis technique applied Structural Equation Modeling–Partial Least Square (SEM-PLS) using SmartPLS 4 software. The results of the study showed that four factors of consumption behavior, namely cultural factors, social factors, personal factors, and psychological factors, have a positive and significant impact on students' decisions to use QRIS. Evaluation of the F-square value F2 shows that psychological factors (internal motivation, perceived ease, security, and trust) are the most dominant predictors with the largest effect value of 0.434 in influencing the decision to adopt this digital payment system technology. These findings indicate that a combination of students' internal motivation, the digital culture inherent in the campus environment, and the demands of practicality in Generation Z's lifestyle strengthen the decision to use QRIS in daily economic activities.  

Increasingly intense market competition in the digital era requires companies to implement effective recruitment strategies to attract the best talent, particularly from Generation Z. This generation is highly familiar with digital technology and social media, making digital platforms their primary source of information regarding employment opportunities. In this context, employer branding and corporate social media utilization play important roles in shaping perceptions and influencing job application intentions. Although previous studies have examined the influence of employer branding and social media on recruitment outcomes, the findings remain inconsistent and often contradictory. Therefore, this study aims to analyze and evaluate the effects of employer branding and the intensity of corporate social media usage on the job application intentions of Generation Z. The research focuses on Generation Z individuals residing in the Singaparna area. This study is expected to provide a more comprehensive understanding of the factors influencing job application decisions among young people in the digital era. The findings are anticipated to serve as valuable insights for companies in designing more effective, innovative, and targeted recruitment strategies that align with the characteristics and preferences of Generation Z as the future workforce.

This study aims to analyze the influence of digital fatigue on purchasing decisions on e-commerce platforms, with trust and emotional escape as mediating variables among Generation Z in Yogyakarta City. The phenomenon of high digital media usage intensity among Gen Z has led to digital fatigue, which has the potential to influence their consumption behavior. This study used a quantitative approach with a survey method of Generation Z respondents who actively shop through e-commerce. Data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results show that digital fatigue significantly influences purchasing decisions. Furthermore, trust and emotional escape are proven to act as mediating variables that strengthen and explain this relationship. Trust increases consumer confidence in making transactions, while emotional escape encourages purchasing behavior as a form of escape from digital fatigue . These findings provide theoretical implications for the development of digital consumer behavior literature and practical implications for e-commerce platform managers in designing marketing strategies that can manage digital fatigue and build consumer trust.

Ineffective spare part inventory planning may lead to supply delays and reduced compliance with lead time supply key performance indicators (KPIs). This study aims to implement the Collaborative Planning, Forecasting, and Replenishment (CPFR) method in spare part inventory planning at PT XYZ and to compare lead time supply performance before and after the implementation of the CPFR method. This research utilizes spare part usage data from January to June 2025, focusing on fast-moving spare parts. Demand forecasting is conducted using an error forecasting approach with the moving average method. Forecast accuracy is evaluated using the Mean Absolute Deviation (MAD) and Mean Absolute Percentage Error (MAPE). Furthermore, inventory planning is carried out through the calculation of safety stock and reorder point (ROP) as the basis for determining replenishment decisions. The results indicate that the simulated implementation of the CPFR method provides a more structured and anticipative inventory planning process. The comparison of performance before and after the application of CPFR shows an improvement in lead time supply compliance with the established KPIs. Therefore, the CPFR method has the potential to support improved spare part inventory planning performance at PT XYZ.

The rapid expansion of internet usage has led to a significant increase in cybersecurity threats, particularly phishing attacks delivered through malicious links. Phishing links are designed to imitate legitimate websites in order to deceive users and steal sensitive information. This study presents the implementation of a phishing link detection website based on SSL validation and URL scoring mechanisms. The proposed system integrates heuristic-based URL analysis with real-time SSL certificate validation obtained through the SSL handshake process. Digital certificates are verified using RSA-based digital signature verification issued by trusted Certificate Authorities (CAs). In addition, the SHA-256 hash algorithm is employed to generate certificate fingerprints and URL hashes to ensure data integrity and uniqueness. The system also evaluates HTTPS usage, domain and certificate consistency, certificate validity period, and RSA public key strength. All validation results are processed using a URL scoring system to generate a security score ranging from 0 to 100, which classifies links into safe, suspicious, or dangerous categories. Experimental results demonstrate that the proposed website is capable of effectively identifying phishing indicators and providing transparent cryptographic evidence in real time. This approach can assist users in making informed decisions and improving protection against phishing threats in web environments.

This study aims to analyze the effect of service quality and trust on members’ decisions to use the services of Koperasi Simpan Pinjam (KSP) Pamuji in the Soloraya region. Savings and loan cooperatives play an important role in providing financial access for the community; therefore, service quality and members’ trust are crucial factors in sustaining cooperative services. This research employs a quantitative approach with an explanatory research design. Data were collected through a structured online questionnaire distributed to 201 respondents selected using purposive sampling techniques. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 27. The results indicate that service quality has a positive and significant effect on service usage decisions, as evidenced by a regression coefficient of 0.504 and a significance value below 0.05. Trust also shows a positive and significant effect on service usage decisions with a regression coefficient of 0.375. Simultaneously, service quality and trust explain 82.5% of the variation in service usage decisions. These findings confirm that positive service experiences and high levels of trust are key determinants in encouraging members to use cooperative savings and loan services. The results of this study are expected to provide practical insights for cooperative managers in formulating strategies to improve service quality and strengthen members’ trust in order to enhance sustainability and competitiveness.

Management accounting helps managers make strategic decisions, manage production costs, and create financial plans in a competitive environment and the challenges of digital transformation.  Field observations, discussions with company owners and employees, and examination of documents such as financial reports and expense records are qualitative descriptive methods using a case study approach.  Simplification, presentation, and conclusion methods based on Miles and Huberman are used to process information, with an emphasis on small to medium-sized printing companies. The results show that the use of management accounting, which includes activity-based costing and break-even analysis, can effectively increase cost savings (such as paper and ink usage), operational efficiency (by creating new products and managing the distribution chain), and competitiveness by raising rates and improving standards.  However, the use of simple Excel is a good start, but major problems include unskilled labor, manual recording, and lack of technology adoption.  Essentially, management accounting helps save money and adapt to contemporary trends such as print-on-demand.They also suggest things such as the use of accounting software, employee education, and Total Quality Management (TQM) to reduce quality costs.  This study provides printing industry operators with a practical perspective for implementing best practices and surviving in the international market.  

Rapid adoption of cashless payments has reshaped everyday spending, especially among young consumers. While e-wallets deliver speed and convenience, constant exposure to discounts, cashbacks, and one-click checkouts may also foster more frequent discretionary purchases. This study examines the relationship between e-wallet usage intensity and consumptive lifestyle, focusing on how convenience and promotional stimuli relate to spending tendencies. Using a cross-sectional online survey of students and early-career workers, we collected self-reports on payment habits and consumption patterns with validated Likert-type instruments. Data were screened and analyzed with correlation and linear regression after basic assumption checks. The results indicate a positive and statistically meaningful association between e-wallet usage and consumptive lifestyle; respondents who transact more often via e-wallets tend to report stronger preferences for instant gratification, hedonic purchases, and impulse buying. Convenience features (e.g., stored cards, fast checkout) and promotional exposure (e.g., limited-time deals) emerged as salient correlates of the relationship. The findings add contextual evidence from Indonesia’s digital economy and suggest practical implications for users, platforms, and educators. Financial-wellbeing interventions such as digital budgeting tips, in-app nudges, spend limits, or post-purchase reflections may help align seamless payments with healthier consumption decisions. Future work can test causal mechanisms and evaluate design features that encourage prudent, goal-consistent spending without diminishing user experience.

In today's digital era, the freight forwarding industry has become one of the fastest-growing sectors. The rapid growth of the digital economy has increased the need for fast, safe, and efficient delivery services. However, intense market competition in this industry has pushed companies to build a strong brand image. This is related to the increasingly fierce competition in the freight forwarding sector, such as JNE, SPX Standard, Tiki, and Pos Indonesia. This research is useful for companies and academics: it can serve as a shared reference for examining the influence of brand image on service usage decisions, in the development of theories and concepts in marketing and Islamic economics. The purpose of this study is to analyze the influence of brand image on the decision to use J&T Express's freight forwarding services. The research method used was quantitative, with a survey approach. A questionnaire was distributed to 117 respondents who were active users of J&T Express services. Data analysis was conducted using multiple linear regression with the help of SPSS version 26 software. The results showed that brand image had a positive and significant effect on the decision to use services, with a significance value of 0.015 (<0.05).

This study aims to examine and explain the influence of customer experience, service quality, and promotion on the decision to use the OVO application among Uniska Kediri students. The research applied a probability sampling method using a saturated sample approach for an unknown population, calculated through the Hair formula, and obtained 114 respondents. The data were analyzed using several statistical tests, including validity, reliability, normality, multicollinearity, heteroscedasticity, linearity, and determination (R²), processed through SPSS version 25.The research findings show that the customer experience variable does not have a significant effect on the decision to use the OVO application, with a significance value of 0.380 > 0.05 and a t-count of 0.882 < t-table of 1.981. Similarly, the service quality variable also does not significantly affect the decision to use, with a significance value of 0.833 > 0.05 and a t-count of 0.211 < t-table of 1.981. In contrast, the promotion variable has a significant positive effect on the decision to use the OVO application, with a significance value of 0.001 < 0.05 and a t-count of 3.287 > t-table of 1.981. Simultaneously, customer experience, service quality, and promotion collectively have a significant influence, with a significance value of 0.000 < 0.05 and an F-count of 6.883 > F-table of 2.69. The R² value reflects the combined effect of these variables on user decisions.

Digital transformation in Indonesia's financial sector has accelerated the adoption of cashless payment systems, with QRIS (Quick Response Code Indonesian Standard) as the main innovation since its introduction by Bank Indonesia in 2019. Generation Z, as a digital native group, is the dominant user of QRIS due to their preference for fast, practical, and connected services. This study aims to empirically analyze the influence of lifestyle, ease of use, trust, and financial attitudes on the decision to use QRIS by Generation Z in Bogor Regency, as well as test the role of financial literacy as a moderation variable. The research approach uses quantitative methods through inferential statistical analysis. The results showed that only the variables of ease of use and financial attitude had a significant effect on the decision to use QRIS, with a significance value of < 0.05 and t calculated > t table. These findings reinforce the Technology Acceptance Model (TAM) model, which emphasizes the importance of the perception of convenience in driving the adoption of digital payment technology. Meanwhile, the variables of lifestyle and trust did not have a significant effect, which may be due to the level of general trust that has been formed in QRIS and the digital lifestyle of respondents who have not fully developed. These results confirm the need to develop a more intuitive user experience and increase education related to digital financial literacy to strengthen the sustainable use of QRIS among Generation Z.

This study investigates the influence of Brand Image, Product Quality, and the use of Social Media on consumers’ purchasing decisions to Wardah facial cream. Using a quantitative method with purposive sampling technique, this study involved 120 Wardah product users in the West Semarang area. Data were collected through an online questionnaire and processed using SmartPLS 4.0. The results indicate that product quality and social media usage have a positive and significant effect on purchasing decisions, whereas brand image shows a positive but insignificant effect. This suggests that consumers tend to prioritize tangible attributes such as product quality and active engagement through social media over brand perception The model explains 75.2% of the variance in purchasing decisions (Adjusted R² = 0.752), highlighting the strong explanatory power of the variables examined. Practically, the findings suggest that marketers should prioritize product quality and optimize social media campaigns to boost customer engagement and loyalty, while reassessing brand perception strategies.

Rapid developments in information technology have made laptops an essential device for students, especially those in their final year of study. Choosing the right laptop plays an important role in supporting academic productivity, such as writing theses, analyzing data, and developing software. This study aims to classify the preferences of mathematics students at Gorontalo State University in choosing laptops based on usage characteristics and factors that influence purchasing decisions. The method used is Kernel Discriminant Analysis (KDA) with a Gaussian kernel function and an optimal bandwidth of 0.8. The research data involved 268 respondents divided into training and testing data. The analysis results show that the KDA model has an accuracy rate of 60% on the training data and 52% on the testing data, which indicates the model's ability to recognize student preference patterns despite a decrease in accuracy on new data. Based on the kernel density estimation results, Acer is the most widely used laptop brand, while Zyrex and Apple are rarely chosen. The most influential factor in purchasing decisions is processor specifications, with a contribution of 35.739%, followed by brand, warranty, and price. These findings indicate that hardware characteristics are the main consideration in laptop selection, with most students choosing laptops with Intel Core i5 processors, a minimum of 8GB of RAM, and SSD storage. The results of this study can also be used by universities to provide recommendations for selecting laptops that suit students' academic needs.  

The convenience of digital payments and the advancement of financial technology may influence on students' purchasing decisions, making sound financial management and financial literacy crucial. The objective of this study is to examine how students in the Economics Education Study Program's personal financial management abilities are impacted by financial literacy, priority scale setting, and digital payment usage. A quantitative associative research strategy is used, with 64 students serving as a sample from a population of 173 pupils chosen by purposive sampling. Questionnaires were used to gather data, and SPSS version 23 was used for analysis. The findings indicate that priority scales and financial literacy have a beneficial impact on personal financial management, while digital payment have no effect. However, concurrently, these three independent variables exert influence on students’ personal financial management.

Kampung Kelam Pagi, Dompak Village, focused on mapping the local road network as a foundation for sustainable development planning. The data collection process combined observation, interviews, and digital recording, resulting in both technical data (such as road length, width, and condition) and social data (including road naming conventions and patterns of community usage). The findings indicate notable disparities in infrastructure quality, with main roads mostly paved, while smaller neighborhood roads remain unpaved and lack adequate street lighting. This disparity in infrastructure quality highlights the need for targeted interventions to address the basic infrastructure needs of the community. In addition, the study emphasizes the importance of community involvement in the mapping process, which not only strengthened the social value of the maps but also fostered collective awareness of the importance of spatial data in village development. The discussion further underscores that local data availability is crucial for more participatory, inclusive, and community-oriented village planning, where decisions are based on accurate, locally sourced information. This study demonstrates that KKN activities do more than just provide technical data; they also help reinforce social capacity, empowering local communities to actively contribute to sustainable development efforts. Ultimately, such initiatives contribute to creating more resilient and well-informed communities that can participate in and benefit from development planning.

This study aims to analyze the influence of financial technology, risk tolerance, return expectation, and financial literacy on student investment decisions, with a specific focus on students of the Faculty of Economics and Business, Budi Luhur University, Jakarta. The increasing growth of young investors in Indonesia, particularly from Generation Z, emphasizes the urgency of understanding the behavioral and technological factors that shape their financial decision-making. The research employed a quantitative approach using purposive sampling by distributing online questionnaires to 100 executive class students, calculated using Slovin’s formula. Data collection was supported by literature reviews and documentation, while analysis was conducted using multiple linear regression with the help of SPSS version 26 and Microsoft Excel 2019. The results reveal that financial technology, return expectation, and financial literacy each have a positive and significant effect on student investment decisions. In contrast, risk tolerance shows a significant negative effect, suggesting that higher risk tolerance does not necessarily translate into better decision-making among students. These findings highlight the complex interplay of behavioral and cognitive factors in shaping investment choices. The study contributes to the field of behavioral finance and provides practical implications for financial education, suggesting the need for stronger integration of financial literacy programs and responsible fintech usage among young investors. In conclusion, enhancing financial knowledge and aligning return expectations are critical strategies to improve rational investment behavior in the digital era.

The TikTok application, which now offers the TikTok Shop feature, is one example of how significant changes in the digital commerce industry have been fueled by information technology advancements. This feature creates a real-time interactive experience by enabling customers to shop directly through live broadcasting. The purpose of this study is to examine how using the live streaming feature affects purchasing decisions, particularly for students at STAI Sangatta. 64 students enrolled in STAI Sangatta's Islamic Economics Study Program were given a questionnaire as part of this quantitative field study. Validity tests, reliability tests, t and f tests, simple linear regression, and classical assumptions were used to assess the data. The analysis's findings indicate that live broadcasting significantly influences consumers' decisions to buy. The resulting regression equation is Y = 10.166 - 0.742X. The hypothesis is supported since the t-value of 10.178 is greater than the t-table of 1.999 and has a significance level of 0.000 (p < 0.05). At 103.584, the F test is likewise significant. The influence of the live streaming variable is indicated by the coefficient of determination (R2) of 62.6%, whilst other elements not included in this research model influence 37.4%.

The rapid growth of Micro and Small Enterprises (MSEs) in the culinary sector in Denpasar City has made a significant contribution to the regional economy and job creation. This sector has become one of the key drivers of local economic activity, attracting both residents and tourists. However, despite its potential, challenges persist. Fluctuations in the number of MSE actors and the suboptimal use of social media for marketing hinder sustainable income growth. Moreover, poor decisions regarding business location and inappropriate pricing strategies often become barriers to achieving business success. This study aims to analyze the simultaneous effects of business location, pricing, and social media usage on the income of culinary MSEs in Denpasar City. A quantitative approach was employed using a survey method, in which questionnaires were distributed to 99 culinary MSE actors. The collected data were analyzed using multiple linear regression to evaluate the influence of each variable both simultaneously and partially. The results reveal that business location, pricing, and social media usage together have a significant effect on MSE income. Partially, business location and pricing show a positive and significant influence, indicating that strategic location selection and competitive pricing play crucial roles in increasing income. In contrast, social media usage does not significantly affect income, suggesting that while digital platforms have potential as marketing tools, their benefits remain limited without effective content strategies and adequate digital literacy. These findings highlight the importance of strengthening fundamental business aspects, particularly location and pricing strategies, to improve MSE performance. Furthermore, policy support and targeted assistance programs focusing on enhancing digital literacy and managerial capacity among MSE actors are essential. By addressing these areas, the culinary sector in Denpasar City can achieve more sustainable growth and contribute even more effectively to the local economy.

The advancement of information technology has encouraged public service institutions, including PT. PLN (Persero), to adopt web-based systems to improve operational efficiency. At ULP Arso, the current monitoring of customer installment fine payments is managed manually using physical documents and basic spreadsheets. This method is prone to data entry errors, information redundancy, and delayed updates, which hinder timely decision-making and customer service. To address these issues, this study aims to design and develop a web-based monitoring system that facilitates real-time data access and simplifies tracking of installment payments. The research employed the prototyping development model, emphasizing iterative design involving early user feedback and continuous refinement. Data were collected through interviews, direct observations, and documentation at ULP Arso. The resulting prototype includes modules for user registration, login, customer and admin dashboards, bill management, and financial reporting. Functional testing using the blackbox approach demonstrated that all features operated according to specifications, and the system responded reliably across various usage scenarios. The study contributes by offering a practical solution that digitizes manual processes, thereby improving data accuracy and streamlining administrative tasks. From a practical perspective, the system supports data-driven decisions and enhances transparency and accountability in the customer billing process, aligning with the broader goal of improving public service quality in the electricity sector.